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Available

The Loxley, Hartley Mere

Mid-Terraced House

Part of the Hartley Mere development

Prices from £96,000 for a 40% share

Tenure

Shared Ownership

No of bedrooms

No of bathrooms

Council Tax Band

TBC

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The property

The Loxley is a two-bedroom, mid/end terrace property and part of the wider Hartley Mere development, just outside of Peterborough in Cambridgeshire.

Like each property within the broader development, The Loxley is built with sustainability in mind, utilising air source heat pumps, PV solar panels and electric car charging points.

Upon entering The Loxley, you'll find a large reception hallway, with immediate access to the kitchen on your left, a downstairs WC, stairs to the first floor and access to the large living/dining space at the rear of the property.

The kitchen within The Loxley is large, with plenty of surface space and a front-facing window offering lots of natural light.

The living/dining area at the rear of the property makes up the bulk of the lower floorplan, creating a space ideal for cosy nights in or hosting. This room also offers easy access to the garden at the rear of the property and an extra storage space.

Upstairs you'll find two larger bedrooms, both of which have extra storage space and plenty of room for additional furniture such as wardrobes, drawers or dressing tables. Both bedrooms have large double windows, flooding the space with light during those brighter days.

The primary bathroom is also on this floor, with a shower over bath setup.

Features and description

10 year build warranty
Outdoor Tap
Downstairs WC
Double glazed windows
Family bathroom with shower over bath
Plumbing for washing machine

Shared Ownership Guide

A complete guide to Shared Ownership, for more information about the scheme and information around how it could be the ideal option for you, download the guide.

Download Guide

Hear from our Buyers

Watch Dawn's Story

Local Area Information

The Hartley Mere development is based in Whittlesey and has 9 schools in the local area, a mix of nursery, primary and secondary schools, all of which are rated ‘Good’ by Ofsted, making the town an ideal destination for those looking for somewhere to settle down and start a family.

Whittlesey is located near the A1 and A605, which connect it to major routes, including the M11 motorway and some of the larger destinations across the area.

There’s a robust local bus network that provides access to some of the surrounding villages, as well as providing direct access to Peterborough.

The train station at the heart of the town offers an alternative if you’re travelling to larger destinations, including both Peterborough and Cambridge, which then provide links to most of the UK’s major cities.

The nearest airport to Whittlesey is either London Stansted or East Midlands, which are around 70 minutes and 90 minutes away respectively.

Whittlesey is the quintessential market town, anchored around a vibrant high street, market square and fantastic local amenities. If you’re looking for somewhere to eat, you’ll find a broad range of cuisines, including Fontanellas, Vesuvio and Sonargaon Tandoori.

If you’re looking for a drink, pubs such as The Black Bull and The New Crown are local favourites, whilst Sunshine Cafe and Poppy’s Coffee Bar are perfect for a brew.

In terms of things to do, Whittlesey has plenty to offer, especially if you’re into history or outdoor activities. Lattersey Local Nature Reserve is ideal if you’re looking for a longer walk, with plenty of walking trails and fantastic views.

Whittlesey Museum offers a glance back into the history of the market town, stretching back hundreds of years, whilst the town itself has a calendar full of local events running throughout the year.

Am I eligible?

Shared Ownership uses the following criteria to help people get a foot on the housing ladder:- Maximum annual household income of £80,000

One of the following statements must also be true:

You’re a first-time buyer
You used to own a home but can’t afford to buy now
You’re forming a new household - typically after a relationship breakdown
You’re already part of the Shared Ownership scheme but want to move
You own a home and want to move but can’t afford the new home that meets your needs

Use the Shared Ownership mortgage calculator to estimate the cost of buying this home

Homes at this development are available on the New Shared Ownership Model.
You can purchase between 10% and 75% of the property's full market value. Each home benefits from a 10 year repair period for essential repairs.
You are able to buy more of your home through the Staircasing process, where you can purchase shares in increments of 5%. There is also the option of the 1% Gradual Staircasing Model enabling you to purchase smaller shares each year.

Next Steps

Information

For further information, please download our brochure below.

Enquire

Please submit an enquiry to Platform Home Ownership and the dedicated Sales Consultant for the development will make contact with you.

Apply Now

The Sales Consultant will send you the application form for you to complete. Please return the completed form back to us via email to sales@platformhg.com .

Affordability

Upon receipt of your application and once approved we will refer you for an affordability assessment to determine the most affordable share for you.

Availability

Once passed, we will then send you an offer letter for your chosen plot where possible

Enquire now

Am I eligible?

Pre-register your interest

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Frequently asked questions

Most buyers who can’t afford to buy a home outright can apply to buy through shared ownership.

We may also be able to help if you need to move because of a relationship breakdown or if your work requires you to live in an area outside your price range.

In order to buy through the Shared Ownership scheme, you must be able to demonstrate that you can afford and sustain home ownership. If you proceed with Shared Ownership you will be required to undertake an affordability assessment.

You must meet our adverse credit policy, if you have a history of adverse credit you are unlikely to be accepted depending on individual circumstances.

Shared owners still have to pay many of the usual costs involved in buying a home.

Reservation fee

We will ask you for a £250 deposit to reserve your chosen home. When the sale goes through we put this towards your purchase payments. However, we cannot refund it if the sale does not go through.

Mortgage deposit and fees

Most mortgage lenders will ask for a 5% or 10% deposit towards the price of the share you want to buy. They are also likely to charge a valuation fee and administration fees.

Legal fees

Solicitors’ charges can vary so it is best to get a few estimates. You will also have to pay Land Registry and local search fees, and may have to pay stamp duty depending on the value of the property.

After you've moved in

You also need to budget for the ongoing costs of owning a home.

Mortgage repayments

You will have to make monthly mortgage repayments to your lender. Depending upon the type of mortgage you have, these repayments may vary as interest rates change.

Rent

You pay a subsidised monthly rent to us on the share of your home which we own. The amount is reviewed on the 1st April each year.

Service charges

You will have to pay a small charge if your home has any facilities or communal areas which we maintain, such as shared entrance halls, lighting and grounds. Your service charge will also include your buildings insurance and your management fee.

Household bills

These include your council tax and utility bills for water, gas and electricity.

Repairs

We will arrange for any defects on new-build homes to be repaired during a set time period. After that time has elapsed, you will be responsible for arranging and paying for all repairs to your home.

Home contents insurance

We provide buildings insurance with the cost of your service charge but this does not cover your belongings. We strongly recommend you arrange your own home contents insurance.

Much will depend on your other financial commitments and what property/share you want to buy. We don't want you to be overstretched, so we need to be sure that you can afford to pay your mortgage and rent. We look at each application individually and will advise you on your options.

Shared ownership schemes are backed by government funding to help people on smaller incomes. So you will not qualify for most shared ownership schemes if your household income is less than £10,000 or more than £80,000 a year.

On the property listings for some of our shared ownership homes, you will see that we state a local connection to the area is required.

This generally applies in rural areas and small villages where land has been made available specifically for affordable housing to meet the needs of local people, rather than for private development.

These are known as ‘rural exception sites’ or 'protected areas' and are controlled by ‘Section 106 Agreements’. They aim to help local people and families afford homes in the area where they grew up.

The local connection criteria can vary between different developments, but is usually based on the following:

applicant was born in the area and has lived there for a number of years

applicant has permanently lived in the area for a number of years

applicant used to live in the area for a number of years but had to move away because of the lack of affordable housing

applicant has been permanently employed in the area for a number of years

The number of years is usually between 2 and 5, although this differs by local authority

Usually priority is given to applicants with a local connection to the parish. If there are still properties remaining, allocation will be opened up to surrounding parishes and then to the whole of the local authority area. This ensures that the homes are occupied by residents as local to the area as possible.

If you want to find out more about the local connection criteria for a particular development, or check if you qualify, please email sales@platformhg.com

Yes you can, once you have moved into your Shared Ownership property, providing you can afford it, you are able to buy more of your home through the process of Staircasing.